Plan Status
Waiting for data
Import your blueprint to calculate your plan checks.
YOUR RETIREMENT DIRECTION
Are we still following the plan?
Retirement Compass compares your current inputs with the rules and milestones in your retirement blueprint.
Target Retirement
—
Joe age —
Base Projection
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6% nominal illustration
2026-Dollar Income View
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4% portfolio illustration + base Social Security
COMPASS CHECKS
Current plan alignment
NEXT MOVE
Upcoming action
WORKING BLUEPRINT
Plan Inputs
Update the facts that drive your projections. Changes are saved to your encrypted local vault.
Primary spouse
Spouse
Primary 401(k)
Spouse 401(k)
CONTRIBUTION ROADMAP
Scheduled savings increases
| Year | Primary employee | Match | Spouse employee | Goal |
|---|
HOUSEHOLD GLIDE PATH
Strategic allocation targets
CLAIMING COMPARISON
Social Security estimates
| Claim age | Primary / month | Spouse / month | Combined annual |
|---|
RETIREMENT PROJECTIONS
Three return scenarios
Uses the blueprint method: 15 annual contribution/growth cycles, no salary growth, end-of-year contributions, and nominal returns of 5%, 6%, or 7%.
VISUAL RANGE
Projected combined assets
PURCHASING POWER
6% case in 2026 dollars
—
Illustrative 2.5%–3.0% inflation range over 15 years.
INCOME VIEW
4% portfolio illustration + Social Security
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Gross 2026-dollar planning view. Taxes and healthcare are not fully modeled.
SOCIAL SECURITY RESILIENCE
Base vs. 80% stress case
Planning model, not a forecast.
Returns, taxes, inflation, fees, healthcare costs, Social Security rules and actual retirement spending can differ materially. The app follows the assumptions in your blueprint rather than predicting future results.
ANNUAL RETIREMENT REVIEW
Annual Checkup
Complete this each January and whenever a material plan input changes.
PROGRESS
0 / 0
PLAN MANAGEMENT
More
Encrypted sync, milestones, privacy, backup and blueprint import.
MILESTONES
Your retirement roadmap
ENCRYPTED SYNC
Retirement Compass Sync
Checking sync service…
Your financial plan remains encrypted before it leaves this device.
Sync stores only an AES-GCM encrypted copy of your Retirement Compass vault on your server. Your Retirement Compass password is not stored or sent as plain text; this device derives a separate authentication secret from it.
BLUEPRINT DATA
Import & backup
Your personal blueprint import file should never be uploaded to the web server. Import it from your device after opening the app.
PRIVACY
Encrypted vault
Your plan data is encrypted with AES-GCM using a key derived from your password. When Retirement Compass Sync is enabled, the server receives only the encrypted vault plus the cryptographic metadata required to decrypt it on a device where you enter your password.
ImportantKeep an encrypted backup even when Sync is enabled. If the server is temporarily unavailable, an already-used device can still open its encrypted local copy.
ABOUT
Retirement Compass v0.2.0
Built around the structure of the retirement blueprint: contributions, allocations, mortgage payoff, retirement projections, Social Security scenarios, annual reviews and age milestones.